Cat insurance plans
by Nationwide®
We believe every cat deserves the best health care
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Our kitten and adult cat insurance plans cover accidents, injuries, illnesses, and wellness. No matter your needs, you can choose the best coverage for you and your cat.
More coverage for your cat than you’ll find anywhere else
With over four decades of experience protecting cats, we know that coverage counts. That’s why we offer the best coverage for the best value.
Protect your cat’s future
Having pet insurance for your cat isn't just about covering costs—it's about peace of mind. When your cat needs medical attention, the last thing you want to worry about is a hefty vet bill. Nationwide pet insurance can help you manage the costs so you can focus on getting the care your pet needs. Whether it's an unexpected accident or a sudden illness, your cat's health is our top priority. Choosing our pet insurance coverage allows your cat to get the care they need without putting financial strain on your family.
Managing vet treatment costs
Dealing with common pet health issues can hit your wallet hard. For instance, treating a simple ear infection can cost on average $250. If your cat breaks a bone, you could be looking at bills anywhere from $200 to $5,000, depending on the severity. Then there's stomach trouble — if your cat swallows something they shouldn't, surgery alone might set you back as much as $2,000.** With Nationwide's health insurance for cats, your focus is your pet's health, not the bills that come along with it.
Important Disclosures: Some exclusions may apply. For example, certain coverages may be excluded due to pre-existing or chronic conditions, or hereditary or congenital disorders. Other exclusions may apply. Please refer to the exclusions section of the policy for more information. Coverage limitations from waiting periods, deductibles, coinsurance, or policy limits may also apply. Premiums may increase at renewal based on various factors like a pet’s age, breed, location, or claim history depending on the plan selected. Wellness plans not available in all states.
Reimbursement example reflects Modular Plan Accident, Illness and optional Congenital & Hereditary rider as well as the optional Cruciate rider added after the first year of coverage, with $5,000 annual limit for each category, 80% reimbursement, and a $250 annual deductible. This plan may not be available in all areas. Pre-existing conditions are not covered. Veterinary bill amount is based on expenses incurred in the first 30 days after initial diagnosis.
[2] Rate based on a 1 year Domestic Short Hair cat in 60615 (Chicago, IL) for the Modular Pet Insurance plan with Accident only coverage, $5,000 annual limit with 80% coinsurance and $250 annual deductible.
**Based on Nationwide 2024 claims data
What's not covered
While Nationwide cat insurance provides extensive coverage, there are a few things that aren't covered. Understanding your plan's limitations can help you and your family prepare for any potential out-of-pocket expenses and set an appropriate expectation for what your insurance plan covers. Nationwide pet insurance does not cover the following:
- Pre-existing conditions
- Waste disposal
- Boarding
- Grooming
- Expenses not directly related to veterinary services
We love our pets just as much as you do and we know that coverage limitations can be stressful. We work to keep our limitations to a minimum while also keeping your costs low. See a full list of exclusions or refer to your policy for further information.
Customizable plans to fit your needs
Nationwide allows you to customize your cat insurance plan so you can have coverage that fits your needs and your budget.
Annual deductible for cat care
Choose your annual deductible from $250, $500, and $1,000 options. Paying a higher deductible will help you pay less for pet insurance.
Cat care reimbursement
Select a lower reimbursement percentage and pay a lower premium.
Preventive care add-on for cats
Save money on preventive care like annual exams, vaccinations, and flea/tick prevention.
Annual maximum for cat coverage
Enroll with a lower annual reimbursement maximum and pay less for your pet insurance.
How does cat insurance work?
Managing your cat’s health can be stressful if they are sick or hurt. Nationwide’s cat health insurance allows you to focus on your pet's health and treatment.
Visit any specialist
At the first sign of health issues, bring your cat to any licensed veterinarian anywhere in the world.
Submit your claim
Once your cat has been treated, simply access Nationwide’s online portal to submit the paid vet invoice and any relevant treatment details.
Receive reimbursements
Nationwide efficiently processes insurance claims ensuring that reimbursements for costs covered under your policy are delivered promptly.
Comprehensive coverage, everywhere
With Nationwide pet insurance, you're covered everywhere you go. Whether you're sticking with your preferred vet or need a specialist or ER, have questions, big or small, or want preferred pricing on prescription drugs with automatic claims submissions, Nationwide has it all.
Always There Pet CareSM
Use any vet, anywhere
VetHelpline®
Unlimited, 24/7 virtual pet telehealth
Nationwide PetRxExpress®
Save money on pet meds
Nationwide PetRxExpress®
Save money on pet meds
Preferred pricing plus convenient automatic claims for pet prescriptions filled at in-store Walmart or Sam’s Club pharmacies.
Bring a written prescription to your local Walmart or Sam’s Club or have your vet call it in
Show your digital pet insurance ID card at checkout (available at my.petinsurance.com after sign up)
Save on pet meds and enjoy the convenience of having your claim automatically submitted
Discover the right health insurance coverage for your dog, cat or exotic pet with Nationwide
I know that sometimes there can be unexpected expenses with pets, and I’d rather feel secure and like I could take care of big things if they happen.
- Marina, pet parent of Prison Mike
Health & wellness for adult cats
Adult cats are creatures of habit and often hide illnesses until they become dire. Stay on top of their health to decrease the stress of vet visits while keeping them spry and healthy.
Frequently asked questions
It’s a good idea to enroll in medical insurance for your cat as early as possible, before chronic health conditions develop, or your cat needs any medical care that could put limitations on your coverage.
Yes, we offer cat health insurance for cats at any stage of life.
The annual limit depends on the product and coverage level you have selected for your cat. See your policy documents for details.
Nationwide offers plans with deductible options. Most of our pet families choose a $250 annual deductible.
Depending on the type of coverage you select some genetic conditions may be covered, as long as they are not pre-existing conditions.
The amount of coverage you choose depends on your budget and your cat’s breed. Make sure you keep health problems typical of your cat's breed in mind when choosing a health plan.
You can change your coverage during the annual policy renewal period. Some changes to your insurance may need to be reviewed by underwriters.
Nationwide will cover your cat's spay or neuter only if you have purchased the optional wellness rider that includes spay/neuter benefits.
Nationwide pet health insurance plans have a 14-day waiting period before coverage starts. Please refer to your policy details for the specific waiting period.
Yes. Nationwide offers a wide array of dog insurance plans. You can explore our dog insurance coverage options here.